Take a 9 x 13-inch glass casserole dish and spray with Pam nonstick spray.,Mash ground beef into bottom of pan.,______,Slice onions in rings.,Place over potatoes.,Chop bell pepper and place over onions.,Pour water over entire casserole.,Top with 2 cups shredded Velveeta cheese.,Salt and pepper to taste.,Bake at 350° for 45 minutes.,Serves 6.